PATELJAYKUMARDILIPBHAI
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ON
At
Submission to :
Offered By
Ahmedabad
Prepared By :-
(208070592007)
Student’s Declaration
I hereby declare that the Summer Internship Project Report titled
“Customer perception towards Operation & Customer service provided
through E-banking” In Sal Institute of Management (807) is a result of my
work and my indebtedness to other work publications, references, if any,
have been duly acknowledged. If I am found guilty of copying from any
other report or published information and showing it as my original work
or extending plagiarism limit, I understand that I shall be liable and
punishable by the university, which may include 'Fail' in examination or
any other punishment that university may decide.
Place:
Date:
ACKNOWLEGMENT
I am highly thankful to PROF. HIRAL VORA for being my guide and trainer for
the summer project. Addition to helping me in my practical studies and study
the entire organization and various aspects of managerial functions. They
provide me with many details and enlighten me in preparation for this project.
I would like to express my gratitude towards DR. VIRAL BHATT Principal at SAL
Institute of Management for their valuable guidance and help in the
preparation of this report. They also helped me with using various statistical
tools and analysis of data. At last but not least, I would be thankful to my
friends and other people, who helped me in the preparation of this project
report.
PLEGARISM REPORT
PREFACE
This project report has been prepared in fulfilment of the requirement for the
summer Internship project: “Customer perception towards Operation &
Customer service provided through E-banking” in the academic year
2020-22.
For preparing the project report, we have filled up the questions from the
selected sample of Ahmedabad during the suggested period, to avail the
necessary information. The blend of learning and knowledge acquired during
our practical studies at the company is presented in this project report.
TABLE OF CONTENT
Sr Particular
no.
1 Overview of banking industry
1.1 History
1.2 Introduction
1.3 Indian Banking & Key Developments
1.4 Challenges & Advantages in banking sector
2 Overview of AU small finance bank ltd
2.1 History
2.2 Introduction
2.3 Major players
2.4 Vision & Mission
2.5 Organization structure
2.6 SWOT analysis
2.7 Product / service offered
3 E- banking services
4 Literature review
5 Research methodology
5.1 Statement of the problem
5.2 Significance of the study
5.3 Objective of the study
5.4 Need of the study
5.5 Limitation of the study
5.6 Research design
5.7 Data sources
6 Data analysis & interpretation
Finding, Suggestion, Conclusion
Annexure
Biblography
CH -1
OVERVIEV OF BANKING
1.1 HISTORY
Banking in India, in the modern sense, Originated in the last decades of the 18th
century. Among the first banks were the Bank of Hindustan, which was
established in 1770 and liquidated in 1829- 32; and the General Bank of India,
established in 1786 but failed in 1791.
India's independence, became the State Bank of lndia in 1955. For many years
the presidency banks had acted as quasi-central banks, as did their successors,
until the Reserve Bank of India was established in 1935, under the Reserve
Bank of India The largest bank, and the oldest still in existence. is the State
Bank of India (S.B.I). It originated as the Bank of Calcutta in June 1806. In
1809, it was renamed as the Bank. This was one of the three banks founded by a
presidency government, the other two were the Bank of Bombay in 1840 and
the Bank of Madras in 1843. The three banks were merged in 1921 to form the
Imperial Bank of India, which upon Act, 1934.
In 1960, the State Banks of India was given control of eight state-associated
banks under the State Bank of India (Subsidiary Banks) Act, 1959. These are
now called its associate banks. In 1969 the Indian government nationalized 14
major private banks; one of the big banks was Bank of India. In 1980, 6 more
private banks were nationalized. These nationalized banks are the majority of
leaders in the Indian economy. They dominate the banking sector because of
their large size and widespread networks.
The Indian banking sector is broadly classified into scheduled and non-
scheduled banks. The scheduled banks are those included under the 2nd
Schedule of the Reserve Bank of India Act, 1934. The scheduled banks are
further classified into: nationalized banks; State Bank of India and its
associates; Regional Rural Banks (RRBs); banks; and other Indian private
sector banks. The term commercial bank regulated under the Banking
Regulation Act, 1949.
Generally banking in India is fairly mature in terms of supply, product range
and reach-even though reach in rural India and to the poor still remains a
challenge. The gonvernment has developed initiatives to address this through
the State Bank of India expanding its branch network and through the National
Bank for Agriculture and Rural Development (NABARD) with facilities like
microfinance.
The Reserve Bank of India (RBI), as the central bank of the country, closely
monitors developments in the whole financial sector. The banking is
dominated by Scheduled Commercial Banks (SCBs). As at end-March 2002,
there were 296 Commercial banks operating in India. This included 27 Public
Sector Banks (PSBs), 31 Private, 42 Foreign and 196 Regional Rural Banks.
Also, there were 67 scheduled co-operative banks consisting of 51 scheduled
urban co-operative banks and 16 scheduled state co-operative banks.
The Public-Sector Banks (PSBs), which are the base of the Banking sector in
India account for more than 78 Percent of the total banking industry assets.
Unfortunately, they are burdened with excessive Non-Performing assets
(NPAs), massive manpower and lack of modern technology. On the other hand,
the Private Sector Banks are making tremendous progress. They are leaders
in lntrnet banking, mobile banking, phone banking, ATMs. As far as foreign
banks are concerned they are likely to succeed in the Indian Banking
Industry.
Net banking, phone banking, mobile banking, ATMs and bill payments are
the new buzz words that banks are using to trap customers. With a view to
provide an institutional mechanism for sharing of information on borrowers
/ potential borrowers by banks and Financial Institutions, the Credit
Information Bureau (India) Ltd. (CIBIL) was set up in August 2000. The
Bureau provides a framework for collecting, processing and sharing credit
infmmation on borrowers of credit institutions. SBI and AXIS are the
promoters of the CIBIL.
Today the commercial banking system in India distinguished into:
COMMERCIAL
BANK
NON
SCHEDULED
SCHEDULED
BANKS
BANKS
State Bank of India and its associated banks called the state bank
group
20 nationalized bank
Regional rural Bank mainly sponsored by public sector banks
CO OPERATIVE SECTOR
The co-operative banking sector has been developed in the country to
the supplement the village money lender. The co-operative banking sector
in India is divided into 4 components:
DEVELOPMENT BANKS
Industrial Finance Corporation (IFCI)
Industrial Development Bank of India (IDBI)
Industrial investment Bank of India (IIBI)
Industrial credit and investment Corporation of India (ICICI)
Small Industries Development Bank of India (SIDBI)
National Bank for Agriculture and Rural Development (NABARD)
National housing bank
BANKING SYSTEM
RESERVE BANK OF
INDIA
(CONTROLLIMG)
Private Sector
Banks State Co-op. Banks
Associate
State Bank of
Branches of
India
SBI
1.3 INDIAN BANKING : KEY DEVELOPMENTS
Some banks had nit record Machine of IBM for IBR & Pay roll
November, As a move to reduce the counter party risk, the Exchange set up
1996 a trade guarantee scheme i.e. all trades carried out on the BOLT
are guarantee by the Clearing House of the Exchange.
The banking system is exposed to various risks & challenges few of them are
under:
2. Rural Coverage
Indian local banks specially state bank groups having a good coverage
and many branches in rural areas. But that is quite lacking technical
enhancement. The services available at cities are specifically not available
to rural branches, which are necessary if banks want to compete now a day.
3. Technological Problems
That is true that Indian banks were already started computerized workings
and so many other technological up gradation done but is this sufficient ? In
metro cities Indian local banks are having good comparable technology
but that cannot be supported and comparable by the whole network of
other cities and village branches.
4. Corporate Governance
Banks not only accept and deploy large amount of uncollateralized public
funds in fiduciary capacity, but they also leverage such funds through
credit creation. Banks are also important for smooth functioning of the payment
system. Profit motive cannot be the sole criterion for business decisions. It
is a significant challenge to banks where the priorities and incentives might
not be well balanced by the operation of sound principles of Corporate
Governance. If the internal imbalances are not rebalanced immediately, the
correction may evolve through external forces and may be painful and
costly to all stakeholders. The focus, therefore, should be on enhancing and
fortifying operation of the principles of sound Corporate Governance.
5. Customer Servise
7. Competition
With the ever increasing pace and extent of globalization of the Indian
economy and the systematic opening up of the Indian Banking System to global
competitive, banks need to equip themselves to operate in the increasingly
competitive Environment. This will make it imperative for Banks to
enhance their systems and procedures to international standards and also
simultaneously fortify their financial position.
1) Convenience
3) Faster transaction
When you conduct your banking online, your transactions are processed almost
instantly. For example, you can make purchases or make payments with a debit
card instead of a check, and the transactions shows up on your account
almost immediately. This gives you more control of timing for transactions,
and a better, more accurate view of your current account balance.
4) Fund transfers
ACH gives you the ability to make payments from your business account
to any external account. The most common uses for ACH are direct deposit
payroll, vendor payments and membership or monthly dues. Business
Online Bill Pay is another payment option that is commonly used by
businesses to pay regular bills, such as utilities and credit card payments.
Finally, wire transfers can also be initiated online, when transfers to
external accounts need to be made the same business day.
CH : 2
OVERVIEW OF AU SMALL FINANCE BANK LTD
2.1 HISTORY OF THE AU SMALL FINANCE BANK
AU stands for :
Inclusiveness
Progress for all
Simplicity
Action and Urgency
AU BANK LOGO
Reminiscent of the rising sun, AU Bank heralds a new dawn into the lives
of everyone it touches. This sentiment is perfectly captured in our
thoughtfully designed logo. The colours are young and vivid, so as to break
away from the clutter and demand attention. The colour orange is a warm
and inviting colour, very stimulating and signifies optimism. The colour
purple evokes creativity and innovation as well as connotes premiumness.
To balance the attributes of the above two colours, we have used white which
connotes simplicity, transparency and symbolizes new beginnings.
TAGLINE
The logo philosophy seamlessly translates into our tagline, 'Chalo Aage
Badhein'. It is a no-frills articulation of our brand ethos – no matter what
your goal is, we'll help you achieve it. The simple idea that we'll walk
with you all the way is communicated. succinctly with this carefully
crafted tagline.
2.3 MAJOR PLAYERS
HDFC BANK
State bank of India
ICICI bank limited
Axis bank
Kotak Mahindra bank
Induslnd bank
Bank of Baroda
Yes bank
Punjab national bank etc…
2.4 VISION & MISSION STATEMENT
MISSION
VISION
Board of director
MD & CEO
Strengths Weaknesses
opportunities Threats
Strengths :-
Weakness :-
Opportunities :-
Increase industry banking
Explore opportunities abroad by International banking
Threats :-
Economic slowdown
Highly competitive environment
Stringent Banking Norms
1) ACCOUNT :
Saving Account
Tejaswini
Samarth
Pragati
Sahyog
Bachapan
Aarambh
Varishtha
Vidhyarthi
Current Account
Types of the current account :-
Au Samriddhi
Vikray
Shubh labh
Mangalam
Parivahan
2) DEPOSITE :
Fixed Deposit
Recurring Deposite
3) CARDS :
Debit Cards
RuPay Platinum
RuPay classic
Visa business gold
Visa business platinum
Visa Platinum
Visa gold
Visa Platinum
4) LOANS :
Auto Loans
Commercial Vehicle loans
Construction Vehicle Loans
Tractors Loans
Two Wheelers loans
5) INSURANCE :
General Insurance
Life Insurance
Health Insurance
6) INVESTMENT
Mutual Fund
Systematic investment plan
7) NRI BANKING :
E-FINANCE E-MONEY
OHER
E-BANKING FINACIAL
SERVICE
OTHER
INTERNET MOBILE
ELECTRONIC
BANKING BANKING
CHANNEL
What is ATM ?
ATM IN INDIA :-
SERVICES BY ATM :
Cash Withdrawal
Balance Enquiry
PIN Change
Mini Statement
Instant Fund Transfer
24/7 Availability
Secure
Better Fund Management
Paper Less
Advantages of ATM :-
Your cash is always safe if withdrawals are done using it. That is
mainly because ATM is operated using a secured Flag number.
It is possible to withdraw from many regional and global banks.
ATMs are a method of deal because they are internationally
acknowledged.
It reduces the hustle and bustle required when performing transaction
via a teller. Since there is no usage of slides in ATMs there's no
stressful filling of forms.
2) DEBIT CARDS :-
1. RuPay Platinum
2. RuPay classic
Features & benefits :-
6. Visa gold
A daily cash withdrawal & purchase limit of INR 5000 each for the
Bachpan Savings Account and INR 75,000 each for all other Savings
Account variants
A daily ATM fund transfer limit of INR 20000
A Card Liability Cover (CLC) of INR 75,000
Overall Purchase Protection of INR 10000
Personal Air Accident cover of INR 1,00,000
Personal Accident cover of INR 1,00,000
Exclusive Offer brought to you by VISA
Features
Balance Loan
Enquiry Module
INTERNET
BANKING
Account
Login History
Mobile
New
Account
Customer
Opening
Data
5). E - CHEQUE
An e-cheque is the electronic version or representation of paper
cheque.
The Information and Legal Framework on the E-Cheque is the
same as that of the paper cheques.
It can now be used in place of paper cheques to do any and all
remote transactions. An E-cheque work the same way a cheque does,
the cheque writer "writes" the e-Cheque using one of many types
of electronic devices and "gives" the e-Cheque to the payee
electronically. The payee "deposits" the Electronic Cheque receives
credit, and the payee's bank "clears" the e-Cheque to the paying
bank. The paying bank validates the e-Cheque and then "charges"
the check writer's account for the check
Direct Wire
Debit Transfer
payment
Direct Electronic
Electronic
Deposit Fund Bill
Payment TRansfer Payment
Advantages :-
3. Reduced risk of loss and theft : You cannot forget your virtual
wallet somewhere and it cannot be taken away by robbers.
Although in cyberspace there are many scanners, in one of the
previous articles we described in detail to make your e-currency
account secure.
What is NEFT ?
Process :-
Step-2 : The originating bank branch prepares a message and send the message
to its pooling centre ( also called the NEFT Service Centre )
Step-3 : The pooling centre forwards the message to the NEFT Clearing
Centre (operated by National Clearing Cell , Reserve Bank of India ,
Mumbai ) to be included for the next available batch.
Step-4 : The Clearing sorts the funds transfer transaction destination bank- wise
and prepares accounting entries to receive funds from the originating banks
(debit) and give the funds to the destination banks (credit). Thereafter, bank-
wise remittance message are forwarded to the destination banks through their
pooling centre (NEFT Service Centre).
Step-5 : The destination banks receive the inward remittance message from
the Clearing Centre and pass on the credit to the beneficiary customers
account.
NEFT CHARGES
RTGS Process
1. Go to Branch
2. Fill out the form of RTGS available and a cheque designated
“Yourself for RTGS and transfer amount” commission amount in
amount.
3. Submit the form and cheque over counter.
Please note that RTGS is only acceptable for amount greater than Rs. 2,00,000/-
For amount lesser that you may opt for NEFT or IMPS.
RTGS Charges,
LITERATURE REVIEW
1) Ms. Fozia (2013) the purpose of this paper is to determine this
paper is to determine the customer’s perception towards the e-banking services.
A total of number of customer taken for the study is 196. Analysis of
variance technique is employed to study the significant relationship between
the occupation and customer perception of e-banking services and
significant relationship between age and customer perception of e-banking
services. The result of the study clearly shows that different age group of
customer and different occupation group of customers have different perception
towards the e-banking services. The result also propose that demographic
factors impact significantly internet banking behaviour, occupation and
age. Finally, this paper suggests that an understanding the customer’s
perception regarding the e-banking services of public and private banks it
will help to the banker to understand the customers need in better way.
Through Research Bank Can also get Idea about the Improvement,
Which is to be Brought in Bank’s Service.
I will choose this research design because the main goal of the
research design is to describe the data & features what being studied.
Descriptive research design is a fact finding investigation with
adequate interpretation. It focuses on particular aspect or dimension
of the problem studied. It is designed to gather descriptive
information.
5.7 DATA SOURCES
1. GRAPHICAL ANALYSES:
Frequenc Percent
y
MALE 94 92.2
FEMAL
Valid 7 6.9
E
Total 101 99.0
Missing System 1 1.0
Total 102 100.0
INTERPRETATION:
In Showing the above chart for the respondent of the gender basis. We have to
collect data from females also. They are interactive banking services. There are
almost 7% of the female and approximately 93% of male respondent.
Q.2) AGE:
Frequenc Percent
y
18 -25 78 76.5
26 - 30 12 11.8
31 - 35 4 3.9
Valid
ABOVE
7 6.9
35
Total 101 99.0
Missin
System 1 1.0
g
Total 102 100.0
INTERPRETATION:
From the above data, we can see that the highest number of the
respondent falls in the age group of 18 – 25 years. The lowest no. of
respondent is 31 – 35 years age group. And remaining respondent age
are almost similar no. of respondent.
Q : 3 MARRITAL STATUS :
MS
INTERPRETATION :
In Showing the above chart for the respondent of marital status. There are
26.5% of the respondent is married and 72.5% of the respondent is
unmarried. So unmarried respondent is using e-banking very strongly
according to the data.
Q :4 EDUCATION
INTERPRETATION :
INTERPRETATION :
In the above chart, it shows that 62.7% of the customer are in Other category
And second 26.5% of the respondent is businessman. Remaining are farmer and
government employee.
Q : 6 MONTHLY INCOME
10000 -
46 45.1 45.5 45.5
20000
ABOVE
14 13.7 13.9 100.0
40000
INTERPRETATION :
The above chart shows that the maximum person’s income is RS. 10000 –
20000. It includes all potential & non potential customer. It also shows that
27.4% respondent income is more than 30001. And 26.5% income is 20001 –
30000.
Q : 7 HOW OFTEN DO YOU USE E-BANKING ?
monthl
Valid 16 15.7 16.0 96.0
y
Missin
System 2 2.0
g
INTERPRETATION :
In showing the above chart we are identifying that there are 42.2% of the
respondent is using e-banking in daily basis. And the lowest no. of the
respondent using yearly basis. Almost 36.5 % respondent is using weakly.
Q : 8 INTERNET BANKING SERVICE IS LESS COSTLY THAN
OTHER BANKING SERVICES ?
strongly
5 4.9 5.0 100.0
disagree
Above graph shows that e-banking less costly than other banking service.
where, 46.1% are agree with this And almost 5% are disagree with
service.
Q : 9 INTERNET BANKING TRANSACTION PROCCEDURES ARE
SIMPLE AND STRAIGHTFORWARD.
strongly
7 6.9 6.9 100.0
disagree
Above graph shows that 45.1% says that e-banking is simple and
straightforward. And 31.4% are Strongly agree with the service. Where
remaining are neutral, disagree And Strongly disagree.
Q : 10 E - BANKING TRANSACTION ARE COMPLEX.
strongly
19 18.6 18.8 55.4
agree
strongly
6 5.9 5.9 100.0
disagree
Missi
System 1 1.0
ng
Above graph says that 35.3% are agree with that there is complex in E-
banking transaction. Where, 18.6%, 26.5%, 11.8% And 5.9% are strongly
agree, neutral, disagree and strongly disagree.
Q : 11 BANK OFFICER SHOULD BE IN FRONT OF ME DURING THE
PROCESS.
strongly
9 8.8 8.9 100.0
disagree
Above graph show that 31.4% people are agree with that officer should be in
front me during the process. And 28.4% are neutral with the question. And
19.6% are strongly agree that point and remaining are disagree and strongly
disagree.
Q : 12 E - BANKING IS MORE EFFECTIVE THAN BRANCH
BANKING ABOUT TIME SAVING.
strongly
9 8.8 8.9 100.0
disagree
Above graph says that highest percentage of people with 38.2% agree that e-
banking is more effective. And almost similar that strongly agree with 36.3%.
And remaining are neutral, disagree or Strongly disagree.
Q : 13 IT IS CONVENIENT BECAUSE IT ELIMINATES THE RISK OF
CARRYING CASH.
Above graph shows that, more person are convenient way for e-banking, Where
36.3% are agree. While almost 5% customer disagree with e-banking. And
22.5% answer is Neutral. Approximately 30% are Strongly agree.
Q : 14 WEBSITE ARE SAFE THAT OFFER E - BANKING SERVICES.
strongly
7 6.9 6.9 100.0
disagree
Above graph shows that website are safe for the e-banking service, where
45.1% are agree with that website are safe for using e-banking service.
And almost 6 – 7 % are disagree for the website are not safe. And last
remaining are neutral.
Q : 15 IF I HAVE ANY PROBLEM ABOUT INTERNET BANKING
SERVICE , BANKS POVIDE SUPPORT.
According to this data customer are agree with 34.3% that bank provide
support when you are in problem in e-banking services. Second 30.4%
are neutral in this graph for e-banking service. And last 11–12% are
disagree with the service.
Q : 16 BANKS GIVE ENOUGH INFORMATION ABOUT THE
INTERNET BANKING SERVICE.
Above graph says that in this data 50% customer are saying that bank
provide enough e-banking service information you need. And similar that
7-8% customer disagree with that bank will not provide information about
the e-banking.
Q : 17 I THINK , I ENTERED MY PERSONAL DATA IS PROTECTED
DURING THE PROCESS.
So Above graph says that 44.1 % are agree with that people are aware
about their data is protected during the process. With 15.7% are neutral
during the process of e-banking. And 11-12% people are disagree about
the data is protected during the process.
Q : 18 ARE YOU SATISFIED WITH YOUR BANK'S INTERNET
BANKING SERVICE ?
Above graph shows that how many people satisfied with the internet banking
service. Where, 92.2% are Satisfied with the internet banking service While,
5.9% are not satisfied with the service.
2. STATESTICAL ANALYSIS :
1) TEST OF NORMALITY:
Tests of Normality
Kolmogorov-Smirnova Shapiro-Wilk
Statistic df Sig. Statistic df Sig.
AGE .452 100 .000 .528 100 .000
GENDER .538 100 .000 .278 100 .000
INCOME .266 100 .000 .793 100 .000
MS .457 100 .000 .554 100 .000
EDUCATION .288 100 .000 .758 100 .000
OCCUPATION .403 100 .000 .673 100 .000
Interpretation:
Overall data indicated that our collected data is normally. We can see in
chart for age graph, gender graph, marital status, Education graph,
Occupation and income graph are indicating that follow all respondent is
normal base not significance out layer. So, null hypotheses are accepted
and alternative will be rejected.
2) ONE WAY ANOVA:
ANOVA
OPREB
Sum of Squares df Mean Square F Sig.
Between Groups .799 1 .799 1.046 .309
Within Groups 74.882 98 .764
Total 75.681 99
The table show the Null hypothesis (H0) is accepted and alternative (H1)
is rejected. Because of significance level is 0.309 is greater than 0.05. So,
it indicates that there is no significance difference in the behaviour
towards e-banking on the basis of gender.
ANOVA
OPREB
Sum of Squares df Mean Square F Sig.
Between Groups .306 3 .102 .130 .942
Within Groups 75.375 96 .785
Total 75.681 99
The table shows the Null hypotheses (H0) is rejected and alternative (H1) is
accepted. Because of significance level is 0.942 is more than 0.05. So, it
indicates that there is significance difference in the behaviour towards e-
banking on the basis of income.
FINDINGS :
As per the survey. Most of the people are using e-banking services for
time saving and transaction and many more things.
Customers are satisfied with the e-banking because the all the
transaction will be fast & cheap. And also time is saving.
All the people are not well educated so they cannot easily trust
towards e-banking facility because they have lack of information
and confuse how to the use E-banking services.
Arrange the meeting for customer which e-banking officer to meet their
expectation so that they can satisfy with services.
Employee should note the problems which are faced by the customer, So
they can easily help to the customers.
To encourage customer that e-banking is totally safe if you take necessary
precautionary like protect your password from other.
To provide more training to the employee and customer about the handling
of the e-banking procedures.
Technology & security related issues should be given while providing
services through customers care services.
There should be a Board on every Desk which can specify the work and it
can be helpful to the customer.
They should to give knowledge of e-banking to the customer.
CONCLUSION :
I had great experience to work on this project and learned a lot in this
time of project. The study identified the main objectives of the code
and conduct and e-banking for customer. Research is also draw an
important conclusion from research that customer are interested in e-
banking. And according my opinion that you have to some awareness
about the e-banking.
ANNEXURE
“Customer perception towards Operation & Customer service provided
through E-banking”
1) Name : ______________
2) Gender
Male Female
3) Age
o 18 – 25
o 26 – 30
o 31 – 35
o Above 35
4) Marrital status
o Married
o Unmarried
5) Education
o Graduate
o Post Graduate
o Diploma
o Other
6) Occupation
o Government employee
o Business
o Farmer
o Other
7) Monthly Income
o 10000 – 20000
o 20001 – 30000
o 30001 – 40000
o Above 40000
o Daily
o Weekly
o Monthly
o Yearly
o Yes I am satisfied
o No I am not satisfied
BIBLOGRAPHY
http://rnsbindia.com/index.aspx?page=about_bank
https://www.aubank.co.in/
http://gjeshenv.com/gjesh/curren_tissue/voi1/gjesh_14-0601.pdf
http://shodh.inflibnet.ac.in/bitstream/123456789/203/3/03_litera
ture%20review.pdf
http://shodhganga.inflibnet.ac.in/bitstream/10603/117794/9/09_
chapter2.pdf